#稳定币日常支付 . Global Payment Infrastructure Upgrade: Stablecoins (such as USDC, USDT) are replacing traditional cross-border payment systems due to their low cost and near-instant settlement features. They are widely adopted in scenarios such as corporate payroll and cross-border remittances, saving over 80% in fees and reducing settlement times from days to minutes.

2. Compliance and Technology Dual-Driven: Regions like Japan and Singapore have clarified the compliance status of stablecoins through legislation (such as SBI VC Trade approval), and Circle has launched the payment network CPN to rebuild the SWIFT system using blockchain and lower technical barriers.

3. Emerging Market Inclusive Finance: In high-inflation areas such as Latin America and Southeast Asia, stablecoins have become essential for personal savings and payments. The circulation of Tron's USDT exceeds $70 billion, and the Gas Free transfer function helps Africa achieve an average of 14 million transactions per day.

4. Seamless Integration of Consumption Scenarios: Platforms like Interlace support a "stablecoin + card payment" model, allowing direct deductions from Visa/Mastercard, covering scenarios such as e-commerce and travel, enabling users to spend without converting to fiat currency.

5. Risks and Challenges: Regulatory differences (such as the EU MiCA) and transparency of fiat reserves (USDC is superior to USDT) still need optimization, but technological iteration and ecological expansion have laid the foundation for mainstream adoption.